Date post: | 10-Mar-2016 |
Category: |
Documents |
Upload: | american-foreign-service-protective-association |
View: | 215 times |
Download: | 0 times |
A MESSAGE FROM THE CEO
I am pleased to provide you with our annual Summer Health Newsletter. So much has
happened here in Washington (Health Care Reform, Mental Health Parity and OPM instruc-
tions to Federal Employees Health Benefits (FEHB) Plans on required changes), we hardly
know where to start. I hope you will find this letter filled with information that will help you
understand where the FSBP stands now, and where we are going.
The Affordable Care Act passed in March. On page 10 is a synopsis of the bill and what it
means for the FEHB Program. This is just the beginning – there will be changes and amend-
ments throughout the coming years, and we will have to make required adjustments. I invite
you to check our Web site from time to time for updates on issues that affect the Plan.
We continuously strive to bring the membership new benefits and services, and this year is
no exception. We are excited to be on the cutting edge of Health Information Technology
(HIT). You will learn of the enhanced My Online Services (MOS) Web site from Coventry
and additional online pharmacy services from Medco. The 2011 FOREiGn SERviCE BEnEFiT
PlAn (FSBP) will offer new benefits geared to maintaining and improving the health of our
members, along with providing a comprehensive benefit design at very competitive rates.
2009 was a particularly challenging year for the FSBP, and – more importantly – for our
members. But I believe we have made improvements in our service level, which admittedly
was affected with the change in our PPO Network and last summer’s implementation of the
new claims processing system.
I again want to thank all of our members for your patience as we worked through the
challenges the past year brought us. The PROTECTivE ASSOCiATiOn is known for its
understanding of the unique needs of our membership and our ability to respond to those
needs. I sincerely hope you believe, as we do, that we are back to providing the service
you have come to expect from us. We appreciate the opportunity to serve you and welcome
your feedback and ideas on how we can improve even further.
To Your Health,
Paula S. Jakub, RHU
Executive Vice President
Founded in1929
AFSPA was founded in 1929 “to promotein all lawful and legitimate ways, the advance-ment of the welfare of its members including thewelfare of their dependents and their designatedbeneficiaries.” There are no initiation fees ordues.
BOARD OF DIRECTORSThomas M. Tracy, Chairman
Richard J. Shinnick, Vice ChairmanSarah R. Horsey, Secretary/TreasurerKathleen T. Austin-Ferguson, Director
Joan M. Clark, DirectorFrank J. Coulter, DirectorJan A. Mohr, Director
Phyllis E. Oakley, DirectorJohn P. Shumate, DirectorJames D. Whitten, Director
Chief Executive OfficerPaula S. Jakub, RHUExecutive Vice President
Deputy Executive OfficerKenneth A. Messner
Members of the Board of Directorsare Career Foreign Service or otherExecutive Branch personnel, on activeduty or retired. They serve the Asso-ciation without compensation.
American Foreign ServiceProtective Association, Inc.
1716 N Street, NWWashington, DC 20036-2902
Phone: (202) 833-4910Fax: (202) 833-4918
E-mail: [email protected] site: www.AFSPA.org
Summer2010
Summer Health Newsletter of the
FOREIGN SERVICE BENEFIT PLAN
26483_AFSPA:12-pgs 8/23/10 12:26 PM Page 1
2
AvOiDinG HEAlTH CARE GAPS
By Floyd Shewmake, MD, Senior Medical Director
Coventry Health Care, Inc.
Most of us enter adulthood with the belief that chronic illness
is something that happens to other people. As young adults it
is unusual to require medical care and those rare visits are
usually just for minor acute problems. However, life has a way
of catching up with us and by middle age it is not uncommon
to have developed one or more chronic diseases. For the
majority of us these problems do not cause major lifestyle
changes, but it is important to realize that they do require
ongoing treatment and monitoring.
Such chronic illness as high blood pressure and high choles-
terol usually are controlled easily with diet and medications
combined with periodic physician visits to monitor treatment.
However, it is too easy for many of us to fall into a treatment
gap and forget to fill prescriptions or fail to adhere to our diet.
Once we let ourselves veer from the prescribed program, we
risk developing complications from our chronic disease.
Diabetes is a particularly good example of a chronic disease,
which when well controlled is much less likely to cause long-
term problems than when carelessly controlled. Several
medical studies have demonstrated a reduction in the devel-
opment of heart, kidney, and eye complications when diabetic
patients carefully follow the prescribed treatment plan. For
diabetics, treatment always includes watching the diet and
having a regular exercise program. Most diabetics will also
need some type of medication and all need to control their
weight to avoid long-term problems. It’s also important to
remember that regular check ups with your physician are
necessary to monitor the progress and adjust treatments when
necessary.
To assist in avoiding gaps in the treatment of chronic diseases
the FOREiGn SERviCE BEnEFiT PlAn (FSBP) provides members
with programs to help them keep chronic diseases under the
best control. These programs involve periodic informative
mailings which help members better understand their disease,
since a good understanding is key to maintaining control. In
some cases specially trained nurses may call to assist with
answering questions and to remind members of needed follow
up visits with their physicians. These nurses are also available
for members to call when questions arise. Such advice is not
meant to take the place of your treating physician’s program
for you, but to enhance it by improving your understanding
of the disease and the reasons for the treatments that were
recommended.
Through the use of these chronic disease programs, the FSBP
wants to help you avoid falling into a health care gap and get
the most out of your benefits. Currently we have programs for
the following diseases: diabetes, coronary artery disease,
chronic obstructive pulmonary disease, congestive heart
failure, asthma and chronic kidney disease. Each of these
conditions has a unique program, which has been designed
with the assistance of experts in the treatment of these medical
problems. Participation is, of course, voluntary and members
with these conditions will be contacted as they are identified
to determine if they are interested in the program. In addition,
the Plan offers the same programs to members in foreign
countries through an exclusive arrangement with Coventry
Health Care, the Plan’s underwriter. As a physician I encour-
age members with chronic diseases to get involved with these
programs. The best outcomes result from coordinated efforts
from you the members, your physicians and your health plan.
Stay on track with your treatment program and avoid falling
into a health care gap.
COvEnTRy HEAlTH CARE REPlACES
HEAlTHwAyS FOR DiSEASE MAnAGEMEnT
SERviCES
The FOREiGn SERviCE BEnEFiT PlAn (FSBP) is pleased to
announce that Coventry Health Care (Coventry), the Plan’s
underwriter, has received URAC accreditation for its Disease
Management Program (DM). Consequently we have asked
Planning for Change Seminar
The Senior Living Foundation of the American Foreign
Service is sponsoring a “Planning For Change” seminar
on Thursday, September 16, 2010 from 1:00 to 5:30 p.m.
at the Courtyard Marriott, 1600 Rhode Island Ave, NW,
Washington, DC. Speakers will address a variety of
topics relevant to seniors, including Medicare and the
FEHB, senior living facilities, wills and more. If you will be
in the Washington, DC area at that time you are invited to
attend. Check our Web site www.SLFoundation.org for
more information or to RSVP online. You may also RSVP
by e-mail at [email protected] or by phone at
202-887-8170.
26483_AFSPA:12-pgs 8/23/10 12:26 PM Page 2
3
Coventry to administer your disease management program
starting on July 1, 2010. Healthways, the previous provider
of DM services, will no longer provide services for disease
management.
Stateside members with asthma, congestive heart failure
(CHF), chronic obstructive pulmonary disease (COPD),
coronary artery disease (CAD), diabetes and now chronic
kidney disease (CKD) will receive extra assistance from
Coventry's Disease Management Program. Coventry will
continue our exclusive Overseas Disease Management
Program just as they have been doing for the last few years.
Disease management programs help members manage their
health and improve their quality of life. The change of disease
management providers means members will have:
• Specialized case manager nurses at Coventry for support
for chronic conditions.
• More streamlined experience with one case manager for
our members with complex conditions, regardless of the
number of conditions you have.
• New educational materials with a new look and feel – and
more useful information.
The FSBP and Coventry are dedicated to helping members
live and feel well. If you have one of the conditions shown
above or need further assistance, please contact Coventry at
1-800-579-5755 (in the U.S.) or e-mail the Plan from outside
the U.S. through our secure Web site at
www.AFSPA.org/FSBP and click on the “Ask AFSPA” tab.
THE iMPORTAnCE OF STAyinG On TRACk
wiTH yOuR MEDiCATiOnS
There is much evidence that taking medication as prescribed
can improve your health and lower your healthcare costs. Still,
only about half of all patients follow doctors’ orders regarding
medications.1
If you take medication over a long period of time, sometimes
the medication works so well that you might think you don’t
need it anymore. Perhaps you believe it is not working or you
do not wish to deal with an inconvenient side effect. You might
even be tempted to cut corners to save money.
ASk AFSPA vERSuS AFSPACOnnECT
ASk AFSPA is a secure electronic system that allows you to contact and communicate securely with the FOREiGn
SERviCE BEnEFiT PlAn (FSBP) so that you can include your Private Health Information (PHI). Also, you may contact usthis way regarding our other programs that you might have.This method protects the confidentiality of any informationyou send to us, including your claims.
Submitting Scanned Claims to FSBP
To submit scanned claims securely to us, visit the Plan’s Website: www.AFSPA.org/FSBP.
• Click on the “Ask AFSPA” tab and select “FSBP”.
• Next scroll down and click “Submit Scanned Claim” and follow the instructions.
• Once you submit a claim, we send you an e-mail confirmation notifying you that your file was successfullytransmitted.
Secure Communication with AFSPA
To communicate with us securely, visit our Web site:www.AFSPA.org/FSBP.
• Click on the “Ask AFSPA” tab and choose the programabout which you wish to communicate (e.g., FSBP).
• Choose the nature of your secure message: General, Enrollment or Open Season.
Sending claims and messages to us using these methods assures the confidentiality of your information.
AFSPAconnect, on the other hand, is where you sign in toview secure messages sent by the Plan.
We use this method when our messages to you contain PHI.
You also can verify the address we have on file for you andany information regarding your enrollment in the other plans offered by the AMERiCAn FOREiGn SERviCE PROTECTivE
ASSOCiATiOn.
Both programs are compliant with all requirements of HIPAAand are designed to protect your privacy and personal healthinformation.
new Capabilities to AFSPAconnect Coming This Fall
AFSPA will add two new capabilities to AFSPAconnect thisfall — tracking claims submitted electronically and SingleSign-on.
• ClaimsTracker will allow members logged into AFSPAconnect to submit claims electronically and trackthe status of their claims. They will be able to view a listof submitted claims and see whether the claim is beingprocessed at AFSPA or has been sent to Coventry forprocessing.
• Single Sign-on will allow members logged into AFSPA connect to access their information on Coventry’s My Online Services Web site and Medco’s Personalized Pharmacy Web site by clicking a button. This will give members the convenience of accessing a wide range of claims, medical and pharmacy information while only needing to remember a single password.
1 Wertheimer AI, Santella TM. Medication compliance research: still so far to
go. J App res 3(3), 2003.
26483_AFSPA:12-pgs 8/23/10 12:26 PM Page 3
4
Medications that are used to treat a chronic condition—such
as diabetes, acid reflux, or high cholesterol—usually maintain
health either by preventing those conditions from worsening
or at least keeping their symptoms under control. If your
medication is working as intended, then it is tempting to think
you do not need it or can safely skip a few doses.
You should change the way you take your medication—or stop
it altogether—only with the approval of your doctor. Otherwise,
there could be serious complications from the illness or you
could end up with unpleasant or even dangerous withdrawal
symptoms.
For example, someone with diabetes may feel fine and decide
to stop taking the medication that controls blood sugar.
Yet without that medication, blood sugar could increase
dramatically and result in a greater risk of heart disease, kidney
disease, nerve damage, or blindness. Likewise, someone with
a sinus infection may feel better after a few days of antibiotics,
but a small number of bacteria may still exist and could multiply
and spread if you do not finish the course of antibiotics.
Advice
• Talk to your doctor or pharmacist. If your medication
is causing unpleasant side effects, ask if there is anything
that your doctor or pharmacist can suggest to lessen the
problem. Also, with the FOREiGn SERviCE BEnEFiT
PlAn (FSBP) you can speak to a Medco Specialist
Pharmacist by calling Medco (the Plan’s Pharmacy
Benefit Manager) Member Services at 1-800-818-6717
within the United States or 1-800-497-4641 (available in
over 140 countries) from outside the United States.
Specialist Pharmacists are specially trained in a particular
disease state and can answer your questions and suggest
ways to help you keep track of your medications for your
specific condition.
• know how long you are supposed to take the
medication. For example, should you take all the pills in
a bottle even if you’re starting to feel better?
• is paying for prescriptions a problem? If so, find
out whether there is a lower-cost alternative, such as a
generic drug. Compare medications and see how
much you might save by visiting Medco’s My Rx
Choices® prescription savings program at
www.medco.com/choices.
• Create routines and backup plans. Connect taking your
medication with daily events, such as meals or bedtime.
Keep some medication in a drawer at work or in a purse or
coat pocket, as a backup supply in case you forget to take
your normal dose.
• keep a schedule. Write down the medications you take,
the frequency and any special directions. You can record
this information the old-fashioned way—on a notepad or
kitchen whiteboard—or you can make use of modern
methods such as recurring pop-up alerts on a cell phone
or your computer.
Remember, it is important to take your medications as
prescribed. By following your doctor’s recommendations and
staying informed about your treatment and condition, you will
have a better chance of avoiding unnecessary hospital care and
higher medical costs.
If you have any questions or difficulty taking your medications,
talk to your doctor. You also can call Medco Member Services
toll-free at 1-800-818-6717 within the United States or
1-800-497-4641 (available in over 140 countries) from outside
the United States and ask to speak to a pharmacist. If you are
outside the United States and the toll-free number does not
work for you, you can call Medco collect at 412-829-5932 or
412-829-5933.
Reference:
U.S. Food and Drug Administration. Are You Taking
Medication as Prescribed? June 2009 article:
http://www.fda.gov/ForConsumers/ConsumerUpdates/ucm164616.htm.
Accessed March 29, 2010.
The FSBP makes it easy for members to comply with
medication regimens by providing the following on-line
services through:
• Online refill through the Medco Pharmacy (mail order) –
check the status of your order;
• E-mail notification of the status of your order;
• Extended Pay Program – spread your cost over three
months, particularly important when a member takes
multiple drugs and/or, for overseas, fills for greater than
a 90-day supply;
• Widget Refill Reminder – download to your desktop to
remind you to refill your mail order prescriptions.
26483_AFSPA:12-pgs 8/23/10 12:26 PM Page 4
5
COvEnTRy AnnOunCES iMPORTAnT ClAiMS
PROCESSinG CHAnGES
The FOREiGn SERviCE BEnEFiT PlAn (FSBP) and Coventry
Health Care (Coventry), the Plan’s underwriter, would like to
inform you of a change to claims processing as required by
provider coding changes under the Health Insurance Portabil-
ity and Accountability Act (HIPAA). Over the years, when a
provider submitted an incorrect code on a claim, Coventry
would manually change the code. This process is no longer
allowed. Coventry continues to make improvements to
provide more timely and accurate claims processing for FSBP
members. A new provider education initiative (for both
Preferred and non-Preferred Providers) has been put in place
to encourage providers to use the correct coding for claims.
what this means to you
Starting on January 1, 2011, Coventry will no longer change
invalid codes on claims submitted to the Plan electronically.
These claims will be denied and providers will have to resubmit
them. EOBs will reflect the denial and you may receive
another bill from your provider. In this situation, you may ask
your provider to resubmit the claim with the required correct
code. They can contact Coventry for more information.
what Coventry is doing
Coventry has been educating providers about this situation by
regularly including notifications with Explanations of Benefits
(EOBs). In addition, Coventry is running quarterly reports to
identify providers who routinely submit claims with invalid
codes. They are reaching out to those providers and working
with them to ensure the proper submission of claim codes.
Coventry Health Care and the FOREiGn SERviCE BEnEFiT PlAn
are committed to providing excellent service to FSBP
members. If you have questions or need further assistance,
call Member Services at 202-833-4910.
OFFiCE OF MEDiCAl SERviCES (MED) OF THE
DEPARTMEnT OF STATE AnnOunCES RulES
On inPATiEnT HOSPiTAl DEDuCTiBlES AnD
COPAyS
MED would like to remind employees of information that
affects those covered under the Department of State Medical
Program. Excerpting from a recent cable State sent to all posts:
“1. …The Department will NOT reimburse insurance
deductibles (copays) related to hospitalizations….
2. The Federal Health Benefits Program provides primary
health insurance for USG employees serving in the
United States or overseas. If you are assigned over-
seas, it is important to check the extent of your health
insurance plan's coverage for outpatient services, since
the Department's Medical Program (see Para 3 below)
does NOT pay outpatient bills for employees, eligible
family members, or TDY employees abroad unless the
bills relate to an associated hospitalization within a
12-month period. The Department's Medical Program
does not pay for medical care in the United States during
periods such as home leave, R&R, etc. Since more and
more procedures are now performed in the outpatient
setting, it is important that subscribers understand
exactly how insurance companies determine reimburse-
ment levels.
COMING THIS FALL!
AFSPA is pleased to announce that we will be offering two
new programs for our members on September 1, 2010.
The latest long Term Care plan, underwritten by Pruden-
tial Insurance Company of America, will offer comprehen-
sive coverage to members and eligible family members
ages 18-84. This “Next Generation” Plan has several
options that provide benefits for the way we use long term
care.
Our new Disability plan, underwritten by Lloyd’s of
London, is meant to fill a particular gap in coverage for a
condition that does not necessarily result in a permanent
disability, but rather a long period of absence from work.
Coverage is available to principal members of AFSPA who
are active duty, direct hire employees. The application
process will be done online via our Web site and premiums
will be paid on a monthly basis via direct debit from your
designated financial institution.
For more details on these programs, visit our Web site
www.AFSPA.org.
26483_AFSPA:12-pgs 8/23/10 12:26 PM Page 5
6
3. The Department's Medical Program serves as the
secondary payer for an eligible patient who is hospital-
ized abroad. That is to say, the Medical Program pays
the co-payments remaining after the insurance company
has paid its share. Employees MUST carry primary
health insurance in order for the Medical Program to
serve in this secondary-payer capacity. Employees
who do not carry health insurance will be financially
responsible for all health care service costs….”
Relative to the cable, the FOREiGn SERviCE BEnEFiT PlAn
(FSBP) reminds our members that you have no Inpatient co-
pay (deductible) when you are hospitalized overseas. In ad-
dition, our excellent benefits provide the high PPO coinsurance
no matter what covered healthcare providers you choose.
And, of course, we generally do not subject overseas claims
to reasonable and customary (Plan allowance) reductions.
PPO AnD THE FOREiGn SERviCE BEnEFiT PlAn
The FOREiGn SERviCE BEnEFiT PlAn (FSBP) and Coventry
Health Care (Coventry), the Plan’s underwriter, are proud of
the size and depth of the Coventry National Network.
Currently, our Preferred Provider (PPO) network includes more
than 4,900 hospitals and 450,000 physicians and allied health
care professionals participating throughout the United States
and Puerto Rico. Coventry believes in local contracting and
the value of provider relationships. This strategy is supported
by more than 30 provider relations offices throughout the
country.
However, there often are reasons why a provider chooses not
to participate with Coventry or Coventry may elect not to
contract with a provider. Before a physician can be listed as a
participating provider, they must pass Coventry’s credentialing
requirements. While most physicians provide excellent care
to their patients, Coventry occasionally rejects a provider's
application because the practitioner did not pass credentialing
(for various reasons).
From time to time, a provider group may reach a critical
number of patients in their practice and may not be able to
provide appropriate care to additional patients. Physicians,
like other professionals, move, retire, reduce their availability
or just prefer to treat a smaller patient population. Occasion-
ally providers may elect to close their practice to new patients,
only to reopen once existing patients leave. In addition, a
provider group may choose to participate with select products,
such as Medicare or PPO. This decision can exclude the
practice automatically from participation in other types of
health benefit products.
Some physicians run what are known as cash-practices and
generally do not contract with health insurers. The specialties
that most commonly engage in this type of practice are plastic
surgeons and dermatologists. These practices tend to focus
on cosmetic services that are not covered by a commercial
health benefit plan. Additionally, select specialties, such as
emergency medicine, radiologists, anesthesiologists and
pathologists (ERAP), also known as hospital-based
physicians, can be especially challenging to bring into the PPO
network. The FSBP is pleased to have offered a solution
for many years to this problem. We pay benefits for ERAP
services at the PPO coinsurance rate subject to Plan
allowance when treated at a PPO facility. This offers the
patient some financial relief if the provider is non-PPO.
Finally, providers may forego participation in Coventry’s
network for financial reasons. Coventry is committed to
QuAliTy AnD THE FOREiGn SERviCE BEnEFiT
PlAn (FSBP)
Congratulations to Coventry and Medco
The American Medical Association rated Coventry Health
Care (Coventy), the Plan’s underwriter, the highest of
seven commercial insurers for accuracy. Coventry’s
accuracy rating was 88%, as reported in a recent
Washington Post article entitled Commercial Insurers
Inaccurate on 20% of Claims. In fact, the Coventry office
processing FSBP claims has an accuracy rating of 97%,
higher than the company average.
In addition, Medco Health Solutions (Medco) has
received the “Gold Seal of Approval” from the Joint
Commission on Accreditation of Health Care Organizations
(JCAHO) for Full Standards Compliance in Home Care –
Pharmacy Dispensing Services. Earning the Gold Seal of
Approval places Medco among the leading organizations
in this category to receive accreditation with no additional
recommendations for further improvement.
The FSBP salutes both of our partners in achieving these
accolades.
26483_AFSPA:12-pgs 8/23/10 12:26 PM Page 6
7
securing market competitive rates for their clients and that
means some providers’ rate expectations cannot be met.
While never an easy decision, Coventry makes these
determinations because their clients trust them with keeping
their healthcare affordable; and that is a responsibility both
Coventry and the FSBP take very seriously.
MEDiCARE AnD THE FOREiGn SERviCE BEnEFiT PlAn
What do I do when I turn 65? Am I required to take Medicare?
Do I have to give up the FOREiGn SERviCE BEnEFiT PlAn
(FSBP)? These are some of the questions members ask.
When you turn 65, you become eligible for coverage with
Medicare. You are covered automatically by Medicare A
(inpatient hospitalization) and don’t pay a premium if you
retired after 1983, while Medicare B (medical services) is
optional and you do pay a premium if you are retired.
Medicare is always primary and if you choose Medicare
coverage, Medicare becomes your primary coverage and the
FOREiGn SERviCE BEnEFiT PlAn (FSBP) becomes secondary.
Most people will pay the standard Medicare Part B premium
amount ($96.40 for 2010). However, if your modified adjusted
gross income as reported on your IRS tax return from 2 years
prior to retirement is above a certain amount, you may pay
more – quite a bit more in some cases. Because figures and
regulations change, we suggest you contact Medicare for com-
plete details. You can visit www.medicare.gov or call
1-800-MEDICARE (1-800-633-4227).
How the FSBP works with your Medicare coverage –
Inpatient hospitalization
Medicare A usually pays 100% of their allowed amount for
each inpatient benefit period (a benefit period begins the day
you are admitted as an inpatient). There is a $1,100
deductible and no coinsurance for days 1-60 for each benefit
period. As secondary, the FSBP will coordinate benefits
(COB) with Medicare and pay 100% of the Medicare Part A
deductible.
Medical services (physician office visits, surgery, labs and
other diagnostic services)
If you choose Medicare B, then Medicare will pay 80% of what
they allow. The FSBP will coordinate benefits with Medicare
and pay the Part B yearly deductible of $155 and the 20%
coinsurance after Medicare’s allowed charge. When the
FSBP is secondary, we waive our coinsurance and any
amount that would normally apply to your deductible.
For a complete description of how the FSBP coordinates
benefits with Medicare, please refer to Section 9 of the FSBP
Brochure entitled Coordinating benefits with other coverage.
Under present regulation if you go to a doctor who has “opted
out” of the Medicare Program entirely, that is, does not file with
Medicare and does not accept what his/her charges should
be, then you are liable for the full amount. The doctor may ask
you to sign a ‘private contract’ but often does not. Either way,
the FSBP (as other FEHB plans) is required to pay only 20%
of the provider’s charge. The doctor will require you to pay the
full balance.
It is your decision to choose to be covered under Medicare B
and is a personal one that you must make. The FSBP has
many members who choose Medicare coverage.
FOREiGn SERviCE BEnEFiT PlAn
MEMBER iDEnTiFiCATiOn (iD) CARDS
All members of the FOREiGn SERviCE BEnEFiT PlAn (FSBP)
receive a member identification card when they join the
Plan. Below is some important information regarding the
ID card:
1. The Group ID is 8200001798; and your individual
member ID begins with ‘79’.
2. The suffix indicates subscriber (01) or dependents
(for example, 02, 03, 04…).
3. Text on the back of the ID card contains important
information about our current precertification,
preauthorization and concurrent review require-
ments in the United States.
4. Please make sure you give a copy of your current
ID card to all of your healthcare providers, including
your network pharmacy in the United States.
5. CARRy yOuR iD CARD wiTH yOu AT All TiMES
– OvERSEAS AnD in THE uniTED STATES.
If you did not receive your ID card, please contact
us through our secure e-mail process at
www.AFSPA.org/FSBP and click on the
“Ask AFSPA” tab to request one.
As always, we are here to assist.
26483_AFSPA:12-pgs 8/23/10 12:26 PM Page 7
8
POTEnTiAl TAx TRAPS On MEDiCARE B
PREMiuMS
By Jennifer Lee, Bean Kinney & Korman P.C.
Arlington, VA
Medicare Part B is designed to cover doctors’ services, outpa-
tient care, home health care and some preventive services.
The U.S. government pays a portion of the premiums for
beneficiaries of Medicare Part B. Prior to 2007, the income of
a Medicare beneficiary was not a criterion for determining the
Part B premium for that individual. The government paid 75%
of the beneficiaries’ premiums while the beneficiaries paid the
remaining 25%. The Medicare Modernization Act of 2003 (the
“Act”) changed how Part B premiums are calculated for
beneficiaries with higher incomes. As a result, the government
portion of the Part B premium is reduced for beneficiaries with
incomes above a certain amount.
Under the Act, the Social Security Administration (“SSA”)
calculates the beneficiary’s modified adjusted gross income
(“MAGI”) based on the most recent tax information provided
by the Internal Revenue Service (“IRS”). Generally, this
means that the premiums for any given year are calculated
using income figures from two years prior to the year at issue.
For example, to calculate a beneficiary’s 2010 monthly
premium, the SSA will use information from the beneficiary’s
tax return filed in 2009, reflecting income for tax year 2008.
MAGI is calculated as the combination of a beneficiary’s
taxable adjusted gross income and tax-exempt interest income
earned from that year.
Individuals with MAGI above $85,000 or married couples filing
jointly with MAGI above $170,000 will have to pay an Income-
Related Monthly Adjustment Amount (“IRMAA”). The total Part
B premium paid for these individuals will be equal to the basic
Part B premium plus the IRMAA.
Since a beneficiary’s Part B premium is recalculated on an
annual basis, it is important to keep in mind that any income
earned in a given year can affect the calculation of future Part
B premiums. For example, if a beneficiary cashes out his or
her annual leave upon retirement or cashes out an IRA in
2010, this will cause a spike in taxable income for this year. If
the spike causes the beneficiary’s income to rise above the
MAGI threshold for the basic Part B premium, the beneficiary
will have to pay an increased Part B premium in 2012. To
avoid this potential result, beneficiaries should consider timing
of income-generating transactions, including distributions from
retirement accounts or sale of property.
Beneficiaries who are subject to the increased Part B premium
normally receive a letter from the SSA explaining how the
determination was made. Beneficiaries should review the
information used by the SSA in its determination to ensure that
the information is accurate.
A beneficiary may request a new determination from the SSA
if one of the following five situations apply:
(i) beneficiary experienced a qualifying life changing event,
(ii) beneficiary wishes to request that the SSA use informa-
tion from an amended tax return,
(iii) erroneous information was provided to the SSA by the
IRS,
(iv) the SSA used three year old tax information and two
year old information is available, or
(v) beneficiary has a change in living arrangements.
If none of the above situations apply, but the beneficiary
disagrees with the SSA’s determination, the beneficiary may
appeal the IRMAA, in which case the beneficiary should
submit a “Request for Reconsideration” form (Form SSA-561-
U2) within a specified time of receiving the SSA’s initial
determination notice. If the beneficiary disagrees with the
SSA’s Reconsideration decision, he or she can request a
hearing before a Medicare Administrative Law Judge within a
specified time of receiving the Reconsideration decision by
submitting a “Request for Hearing by Administrative Law
Judge” form (Form HA-501-US), along with an “Authorization
for SSA to Disclose Tax Information for Your Appeal of Your
Medicare Part B Income-Related Monthly Adjustment
Premium Amount” form (Form SSA-54).
Additional information on the initial determination and appeals
process can be found in the SSA’s Program Operations
Manual System, which is available online at
https://secure.ssa.gov/apps10/poms.nsf/subchapterlist!ope
view&restricttocategory=06011.
nOTE: Bean Kinney and Korman is one of the law firms that
participate in AFsPA’s legal services Program. Attorneys
who participate have agreed to provide AFsPA members legal
services at preferred rates. Please go to our web site
www.AFSPA.org and click on the “AFsPA services” tab and
then “legal services” for more information.
26483_AFSPA:12-pgs 8/23/10 12:26 PM Page 8
9
MEDCO PATiEnT / PRESCRiBER SuPPORT
SySTEMS AnD EnHAnCED PROCESSES
Medco Expatriate Team Operational Overview
Medco provides unique support for FOREiGn SERviCE BEnEFiT
PlAn (FSBP) members overseas (expatriates – defined as
covered members living outside the United States). The
establishment of the Medco Expatriate Processing Team in
Tampa, Florida has brought about enhancements to support
communications with patients and prescribers utilizing new
and unique routing and communications strategies.
Medco supports the dispensing of medications to expatriates
while establishing unique electronic connectivity with Regional
Medical Officers (RMOs) and patients with validated secure
e-mail addresses. Medco identifies prescriptions ordered by
RMOs and patients’ current prescription addresses and flags
them for EXPAT handling.
Expatriate Processing Specialist teams have been organized
in all Medco pharmacies for both clinical and administrative
services to provide consistently the highest level of processing
service standards as well as the best clinical outcomes
possible.
A collaborative practice model has been established between
the Department of State Regional Medical Officers (RMOs)
and Medco pharmacies that encompasses such processes as:
• Deployment of a new secure e-mail product;
• Creation of a new facility for e-mail address storage,
authentication and validation processes;
• Fax handling capabilities that launch secure e-mails when
faxes are received from Regional Medical Officers
confirming receipt;
• Electronic prescribing (ePrescribing) licenses were
originally provided to the Department of State at no
charge to jump start the utilization of electronic Point of
Care technologies which were not available to any
Federal Medical Provider; and
• ePrescribing capabilities to improve quality and reduce
processing times.
Some bottom line impacts of enhancements are:
• The combination of deploying ePrescribing with the ability
to communicate directly with prescribers via secure e-mail
has established a practice relationship that in many ways
is more effective than with many non-ePrescribing
stateside prescribers.
• The synergism between technologies has greatly
improved prescriber satisfaction with Medco by removing
most geographical and time barriers. International phone
and fax barriers no longer are problematic.
In addition, patients are affected positively by secure e-mail
communications and allowed more timely updates about their
prescriptions when issues arise. Patients also can participate
in the resolution of issues blocking the dispensing of their
medications where appropriate.
Medco’s collaboration with patient and prescriber has reduced
average turnaround times for internationally shipped
prescriptions. These changes have improved Expatriate
Member satisfaction.
The FOREiGn SERviCE BEnEFiT PlAn Takes
Special Care of our Overseas Members
Earthquakes and volcanoes – you might think they are
unusual occurrences, but for FSBP members these are not
out of the ordinary.
As soon as the earthquake hit Haiti, we notified the Federal
government that we stood ready to expedite care and
claims for victims of this horrible event. Once we identified
members affected, we flagged them so that any precertifi-
cation requirements were waived and claims were
processed immediately upon receipt. In addition, our Case
Management Nurses set up benefits under our Flexible
Benefits Option for services not ordinarily covered by the
Plan but were essential to the care of the patient.
During the volcanic event in Iceland, Medco immediately
worked with DOD and the State Department to ship
prescriptions abroad through any alternative route
available.
The FSBP is pleased to provide special assistance to
Federal employees posted abroad.
26483_AFSPA:12-pgs 8/23/10 12:26 PM Page 9
10
HEAlTH CARE REFORM, MEnTAl HEAlTH
PARiTy AnD wHAT 2011 will BRinG TO
THE FEDERAl EMPlOyEES HEAlTH
BEnEFiTS PROGRAM
Health Care Reform
Congress passed the Patient Protection and Affordable Care
Act, H.R. 3590 (PPACA) on Sunday, March 21, 2010 by a
219-212 margin. The President signed the bill into law
(Pub. L. No. 111-148) on March 23, 2010.
Congress also passed a package of amendments to the
PPACA (H.R. 4872), which received final approval on March
30, 2010. We refer to this package (original bill plus amend-
ments) as the Affordable Care Act (ACA).
At press time, OPM (the Office of Personnel Management –
administrator of the Federal Employees Health Benefits
(FEHB) Program) is sorting through the pages of regulations
published (and yet to be published) to implement the Afford-
able Care Act (ACA). The Plans in the Program look to OPM
for guidance on how to implement the law within the regula-
tions governing the FEHB Program. Some items we do know
and can share with you are:
• Expansion of dependent coverage effective
January 1, 2011:
o Children are covered in a Self and Family enrollment up
to age 26.
o There are no residency, financial dependency require-
ment or marriage restrictions. Note: There may be
financial dependency requirements for foster children
when there is no legally established foster child relation-
ship, e.g., a member’s grandchild.
o Coordination of benefits with other group policies is the
same as for other members.
o TCC (Temporary Continuation of Coverage) applies at
age 26.
o The change does not apply to FEDVIP (Federal
Employees Dental and Vision Insurance Plan).
• FSAFEDS – the Flexible Savings Account (FSA)
program for Federal employees
o 2011 – FSA’s can reimburse over-the-counter (OTC)
drugs only if supported by a prescription (excluding
insulin). Other OTC items that are not medicines or
drugs, such as bandages and contact lens solution,
remain reimbursable without a prescription.
o 2013 – FSA’s will be capped at a maximum contribution
of $2,500 (instead of the current level of $5,000).
o Contribution cap will be adjusted annually thereafter for
inflation.
• Health Exchanges
o By 2014 – Exchanges will be operational in states and
administered by a government agency or non-profit
organization.
o Full-Time Federal employees who do not have an FEHB
plan will be auto-enrolled in the FEHB Program, subject
to opt out. Note: This could occur before 2014.
o If an employee opts out and does not obtain other
minimal essential coverage then a penalty applies.
• Free Choice vouchers
o 2014 - FEHBP enrollees whose family income is less
than 400% of the Federal Poverty Level ($43,320 for an
individual and $88,200 for a family of four in 2010) and
whose FEHB Program enrollee contribution ranges from
8.0% to 9.8% of family income will receive a free choice
voucher equal to the Government contribution.
o The enrollee may use the voucher to purchase health
exchange coverage.
How does the law pay for the above?
o New fees on branded pharmaceutical manufacturers,
medical device manufacturers and indoor tanning parlors
that will be passed on to consumers.
o Application of Medicare taxes to unearned income for
individual taxpayers with $200,000 of adjusted gross
income and joint taxpayers with $250,000.
• Health insurer Fee to be phased in starting 2014
o There will be a Health Insurance Provider Fee on
premiums charged by health insurers.
o Some plans will be exempt, for example: Medicare,
Medicaid, etc.
26483_AFSPA:12-pgs 8/23/10 12:26 PM Page 10
11
o It is estimated that this will add at least 3% to most FeHB
premiums.
• Plan Excise Tax to begin 2018
o 40% tax on premiums exceeding $10,200/$27,500 for
Self/Self and Family coverage will be imposed on the
Plans, not the individual.
o The tax is imposed on the balance exceeding above
amounts.
o The amount above includes employer, employee, FSA,
HSA and HRA contributions.
o The FOREiGn SERviCE BEnEFiT PlAn (FSBP) is not
expected to reach the threshold for this tax until about
2022.
o The enrollee’s 2012 W-2 will show the entire premium for
2011, but the premium is not included in taxable income.
• Medicare and Medicaid
o Congress anticipates $455 billion savings from cuts to
both programs.
o Providers and healthcare facilities are expected to
cost-shift expenses to commercial and FEHB plans
(Federal employees have some relief due to legislation).
o Beginning right away, 16 million additional low-income
Americans will join more than 60 million who currently
receive Medicaid in one form or another.
o The pace of the increase in Medicaid enrollment will
quicken in 2014 when Medicaid becomes available to all
non-Medicare eligible individuals under age 65 with
incomes up to 133 percent of the Federal Poverty Line
(FPL) – $14,400 for an individual in 2010.
Yet to be addressed is Health Care Delivery. The U.S. faces
a shortage of primary care physicians (~ 40,000 in the next
decade), Oncologists (~ 3,000 to 4,000 already today), Nephrol-
ogists and – perhaps the most scary – Nurses (~ 300,000 in
the future according to one study). These figures do not
account for the demand created by health care reform. So, we
have a ways to go before we have reached our goal of afford-
able healthcare for every American. The Affordable Care Act is
a good start toward that goal.
Mental Health Parity
Compliance with the Paul Wellstone and Pete Domenici
Mental Health Parity and Addiction Act of 2008 (Public L. No.
110-343) poses challenges for many plans in the FEHB
Program.
Under regulations published by the Department of Health and
Human Services, health plans cannot have separate deductible
and out-of-pocket maximum requirements that are applicable
only with respect to mental health or substance use disorders.
This means plans must accrue member expenses toward the
same deductibles and out-of-pocket maximums for both
medical and surgical benefits and mental health and substance
use disorder benefits. In addition, if a health plan has a lower
copayment for Primary Care Physician visits, the Plan must use
the same copayment level for outpatient visits to providers of
mental health or substance use disorder services.
The regulations also prohibit discrimination in the application of
non-quantitative treatment limitations, such as medical
management standards, prescription drug formulary design,
determinations of usual, reasonable and customary amounts,
step therapy and requiring benefits be subjected to a condition
such as completing a course of treatment. Plans, however, may
apply preauthorization and concurrent review to the extent that
clinically appropriate standards of care permit this.
Fortunately, we can be brief here. the FSBP is pleased to
have been in the forefront of mental health parity for many
years and is fully compliant with the law.
what To Expect in Benefit Changes for the
FOREiGn SERviCE BEnEFiT PlAn (FSBP) in 2011
OPM has approved our proposal for several substantial en-
hancements to our benefits for 2011. A few changes are:
• Include Facility and Anesthesia charges related to a
routine colonoscopy exam for PPO providers and
providers outside the 50 United States;
• Improve the Home health care benefit;
• Increase chiropractic, acupuncture and massage
therapy benefits;
• Enhance the Smoking cessation benefit;
• Increase the Nutritional counseling benefit and
Diabetic education and Weight management benefits;
and
• Improve the current Diabetic Wellness Incentive and
add a similar benefit for coronary artery disease
(CAD).
26483_AFSPA:12-pgs 8/23/10 12:26 PM Page 11
12
RadiaTion ExPosuRE and unnECEssaRymEdiCal TEsTs
Our 2009 Summer Health Newsletter provided an article
explaining the impact medical imaging has had on diagnosis
and treatment of disease. Because of the danger of radiation
exposure from tests and other sources, we are excerpting an
article from USAtoday.com dated 12/21/2009:
“The average American is exposed each year to …
‘background radiation,’ produced by the sun, cosmic
rays and even radon in the home. Some diagnostic
imaging tests exposed patients to additional radiation.”
Below is a table indicating the equivalent amount of back-
ground radiation for certain medical tests as stated in the
article:
We chose to bold the last four tests to draw your attention to
them. The FoREign sERviCE BEnEFiT Plan (FsBP) pays for
medically necessary diagnostic high-end radiology tests. An
increasing number of these tests ordered by the providers do
not meet the definition of “medically necessary”; therefore, the
Plan cannot pay for them. Because we do not want our
members facing several hundred dollars in medical costs, as
well as the safety concerns noted in this article and the chart,
the Plan has instituted preauthorization procedures for
MRI, CT and PET scans. If your provider orders one of
these tests, please make sure your provider calls the Plan at
1-800-593-2354 to preauthorize the test.
a BETTER Way To sHoP: inTRoduCing THEmEdCo HEalTH sToRE™ – a nEW Way TosavE TimE and monEy – and Could EvEnsavE youR liFE
The healthcare market has shifted considerably, with over-the-
counter (OTC) drugs becoming an integral part of consumer
drug regimens and many consumers mixing both prescription
and OTC drugs. In fact, 68% of older adults using prescription
medications are also using OTC medications, dietary supple-
ments, or both.1
In order to provide the convenience of a single online shopping
experience for both prescription and OTC products, medco
(the Plan’s Pharmacy Benefit Manager) enhanced the
consumer health products Web site for FoREign sERviCE
BEnEFiT Plan (FsBP) members. The medco Health store
features a broad array of consumer health products (i.e.,
nonprescription items), which members are able to purchase
online and receive through the mail, saving both time and
money.
But there’s more to it. There can be potential drug interactions
between OTC products and the prescription medications you
take. For example, the combination of warfarin (coumadin)
and simple aspirin increases the risk of severe bleeding.
Because Medco has your entire prescription history, both retail
and mail order, it is in a unique position to warn you of any
potential drug interactions. You may see a screen that looks
like the one shown on the following page.
At check out from the Medco Health Store, you will be asked
to authorize the sharing of your prescription information with
the Medco Health Store. This will enable Medco and the
Medco Health Store to perform a drug utilization review that
Test Equivalent amount of
background radiation
Chest X-ray 10 days
Dental X-ray 20 days
PET scan, brain 3 ½ months
CT, routine head 6 ½ months
PET scan, heart 3 ½ years
CT, suspected aneurysm 6 ½ years
26483_AFSPA:12-pgs 8/25/10 11:33 AM Page 12
13
will alert you to harmful interactions such as described above.
If you choose not to share the information, then you proceed
right to check out.
The Medco Health Store offers over 25,000 nonprescription
products including antacids, vitamins, moisturizers, cosmetics,
natural products and more. It is available to you upon signing
in to medco.com. After registering at medco.com, click on any
of the links to access the Medco Health Store, where you will
find the products members need and use every day.
You benefit in a number of ways when you utilize the
Medco Health Store Web site, including:
n Convenient 24/7 online access and ordering from the
comfort of home;
n A wide range of over 25,000 products;
n A tailored member retail experience, with products and
information aligned with known health conditions;
n Products organized by therapeutic category (e.g.
diabetes) or traditional retail categories to simplify finding
what’s needed; and
n Online drug interaction screening that brings a new level
of safety to consumers taking both OTC and prescription
drugs.
Improving member well-being and lowering overall
healthcare costs
Like Medco’s advanced pharmacy model that is helping to
identify and close gaps in care with Specialist Pharmacists,
the Medco Health Store aims to improve both member
well-being and lower overall healthcare costs. To learn more,
log in to medco.com.
SOURCES
1 “Among Older Adults, Prescription And Over-the-Counter Medications Are
Commonly Used Together”. 24 December 2008. Accessed online
04/29/09.
http://www.medicalnewstoday.com/articles/133661.php
26483_AFSPA:12-pgs 8/26/10 11:28 AM Page 13
14
SAvinGS On viSiOn CARE FOR FOREiGn SERviCE
BEnEFiT PlAn MEMBERS
vision Care and Glasses
No matter what our age, eye exams are important to health.
As we age, our eyes are also at greater risk for sight-threaten-
ing conditions such as cataracts and macular degeneration.
Annual comprehensive eye exams can help detect these
conditions and many others before damage is irreversible.
Now, the FOREiGn SERviCE BEnEFiT PlAn (FSBP) and
Coventry, the Plan’s underwriter, are pleased to bring you the
opportunity to save on vision care through EyeMed Vision
Care.
FSBP members have new options to save on eyewear through
a materials discount program offered by EyeMed Vision Care.
This program is available to all members and eligible depend-
ents and cannot be combined with any other discounts.
For our members who reside overseas, plan to take advantage
of these discounts when you are in the U.S.
For more information on this program, visit
www.AFSPA.org/FSBP and select My Online services. Once
you have logged into My Online services, select “Wellness
Tools”, “Discount Programs” and then “EyeMed Vision Care
Discount Program”. This will take you to the EyeMed Web site
where you can view providers who participate in the discount
program. The network offers the choice of leading optical
retailers, including LensCrafters, Pearle Vision, Sears Optical,
Target Optical, JCPenney Optical, as well as thousands of
private practitioners all near where you work and shop.
FSBP members now have access to savings on
lASik eye surgery through QualSight lASik!
If you have considered corrective eye surgery, take advantage
of the QualSight LASIK network. The FOREiGn SERviCE BEnEFiT
PlAn (FSBP) and Coventry are pleased to bring you this
benefit. QualSight LASIK provides FSBP members savings of
40 to 50 percent off the national average price for traditional
LASIK eye surgery. QualSight’s credentialed network of the
nation’s most experienced LASIK surgeons features 800
locations nationwide and over 2.5 million LASIK procedures
performed. Flexible financing options are available with
payments as low as $50 per month*.
How it works:
1. To obtain the preferred pricing call 1-877-213-3937.
FSBP members residing overseas can contact
QualSight through the QualSight Web site at
www.qualsight.com/-coventry to schedule the procedure
during a stateside stay.
2. A QualSight Care Manager explains the program and
answers any questions.
3. Select your preferred provider and set up the appoint-
ment right over the phone!
To learn more, visit www.AFSPA.org/FSBP and select
My Online services. Once you have logged into My Online
services, select “Wellness Tools”, “Discount Programs” and
then “QualSight Lasik Discount Program”. This will take you
to the QualSight Web site, where you can review details of the
program and find out how to take advantage of the discounts.
This is a value added service available to FSBP members
through Coventry. The QualSight program is not an insured
benefit. The preferred pricing program is available to members
to provide access to QualSight preferred pricing for LASIK
surgery.
*Subject to GE CareCredit approval
Foreign Claim Processing Tips
To help speed up the processing of your claims, we offer
the following suggestions:
1. Submit scanned claims electronically through our
secure Web site referenced on page 3 of this
Newsletter.
2. Include your name and/or Member ID number as
found on your ID Card on the copy of the bill.
3. If you submit a handwritten note, make sure to
print your name on the note.
4. While we do not need a translation, it is helpful to
submit the reason for the visit, especially when
related to maternity or routine preventive services.
5. If in doubt, go to the FOREiGn SERviCE BEnEFiT PlAn
(FSBP) Web site at:
www.afspa.org/site/insurance/fsbp/fileclaimOI.html
to obtain further helpful information.
26483_AFSPA:12-pgs 8/23/10 12:26 PM Page 14
FAMily-FOCuSED wEllnESS FROM
kiDSHEAlTH®
Keeping kids healthy and happy can be challenging and
that is why the FOREiGn SERviCE BEnEFiT PlAn (FSBP) and
Coventry Health Care (Coventry), the Plan’s underwriter,
have teamed with Nemours, one of the nation’s largest
nonprofit pediatric health systems, to bring you kidsHealth®,
an online resource that educates families and helps them
make informed decisions about their children’s health.
Using KidsHealth is a fun and engaging way to encourage
preventive behaviors and motivate kids and teens to become
more involved in their health. KidsHealth has a comprehen-
sive library of health information for families featuring
thousands of medically reviewed articles, animations, features
and age-appropriate content. The KidsHealth Web site is
organized for three distinct audiences: parents, kids and
teens. For parents, KidsHealth offers hot topics and news, recipes, a
Q&A section and other information aimed at helping parents
understand the health issues that may affect their children.
The Condition Center provides information, tools and practical
advice to help both newly diagnosed individuals and families
deal with ongoing disease management issues. In addition to
health information, KidsHealth contains articles on positive
parenting and advice to help parents handle tough topics, from
birth through the teen years.
For children, KidsHealth provides engaging content, such as
peer stories and articles on staying healthy, in a fun format for
kids. Games, quizzes and other interactive features keep kids
interested and aid in understanding. Teens can choose from
a wide array of emotional and developmental content on
issues important in their lives, finding answers, advice and
straight talk, presented in a style and tone that speak to them.
To see what is available on KidsHealth, go to
www.AFSPA.org/FSBP and log in to My Online services, click
“Wellness Resources” and then “KidsHealth” or visit
fsbp.coventryhealthcare.com/wellness-resources/index.htm
and click “KidsHealth”.
15
Have you recently moved?
Are you moving soon?
Please don’t forget to contact us and give us your
new address.
The FOREiGn SERviCE BEnEFiT PlAn would like to stay
in touch!
use our secure e-mail process through our web
site at www.AFSPA.org/FSBP to notify us of any
address changes. Just click on the “Change of
Address” tab at the top of the page.
26483_AFSPA:12-pgs 8/23/10 12:26 PM Page 15
THE Protective aSSociation oFFErs oUr MEMBErs MAnY sErvicEs
THAT inclUDE...
Health insurance
Dental insurance
Term life insurance
Accidental Death and Dismemberment insurance
long Term care insurance
Total Disability insurance
Travel insurance
legal services
Foreign Service BeneFit Plan
1716 n street, nW
Washington, Dc 20036-2902
For more information please contact us at:
Telephone: (202) 833-4910 Fax: (202) 833-4918
E-Mail ProTEcTivE AssociATion: [email protected]
E-Mail ForEign sErvicE BEnEFiT PlAn: [email protected]
Web site ProTEcTivE AssociATion: www.AFsPA.org
Web site ForEign sErvicE BEnEFiT PlAn: www.AFsPA.org/FsBP
PRSRT STD
U.S. POSTAGE
PAID
PERMIT#5165
RIVERDALE, MD
26483_AFSPA:12-pgs 8/26/10 1:29 PM Page 16